Clay County property record for 286 Mertie Smith Rd, Moss, TN 38575
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 600 sqft · built 1940 |
| Lot Size | 6 acres (261,360 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $335 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 014046 06700 |
| Primary APN | 014046 06700 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 600 sqft Living Area |
| 1st Floor Area | 600 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 261,360 sqft (6 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 288 sqft |
| Shed | 1 Shed |
| Shed Area | 1,200 sqft |
| Pole Barn | 3,000 sqft |
| Cooling System | None |
|---|---|
| Heating System | Radiant |
| Sewer | Connected |
| Street Address | 286 MERTIE SMITH RD |
|---|---|
| City | MOSS |
| State | TN |
| Zip | 38575-6100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 02, COUNTY AREA: R01 |
| Jurisdiction | CLAY TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 955100 |
Source: Clay County records, as of July 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 286 MERTIE SMITH RD, MOSS, TN 38575-6100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 2009 |
| Deed Sale | Jan 13, 2009 |
| Prior Sale | Nov 25, 1941 |
| Deed Book / Page | 92 / 211 |
| Last Transfer Date | Apr 17, 2025 |
| Transfer Doc | 0000000470 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY TN |
| Recording Date | Jun 29, 2026 |
| Property Address | 286 MERTIE SMITH RD, MOSS, TN 38575-6100 |
| Document Number | 0000000907 |
| Book / Page | 191 / 419 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 2026907 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 286 MERTIE SMITH RD, MOSS, TN 38575-6100 |
| Document Number | 0000000907, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 191/419 |
| Instrument | 2026907 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Clay County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $335.00 | $12,875 (+73.4%) Land $4,650 Building $8,225 | |
| 2023 | $7,425 Land $4,650 Building $2,775 | ||
| 2022 | $51,500 Land $18,600 Building $32,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 29, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTHWEST CLAY COUNTY UTILITY serves 4,437 people · EPA ID TN0000573 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Oct 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Twin Lakes Fiber | 8,000 / 8,000 |
4G LTE (outdoors only), no 5G reported
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